Pensions
Pension Annual Allowance 2026/27: the £60,000 limit, carry forward and the taper
The pension annual allowance for 2026/27 is £60,000. It covers your contributions, your employer's and the tax relief…
Pensions guides
Everything on UK pensions — tax relief, contributions, the State Pension and planning the income you retire on.
Pensions
Pension recycling rules: when paying your tax-free lump sum back in is taxed
Recycling means using pension tax-free cash to fund significantly increased pension contributions. If all of HMRC's…
Pensions
What happens to your pension when you die: the age-75 rule explained
A defined contribution pension does not pass under your will. Scheme trustees decide who receives it, guided by your…
Pensions
Pension or ISA: which is actually better for retirement?
A pension gives tax relief going in and taxes most of what comes out. An ISA is funded from taxed income and pays out…
Pensions
Small pension pots: the £10,000 rule and trivial commutation
A pension pot worth £10,000 or less can be taken as a one-off lump sum under the small pots rule, with 25% tax-free.…
Pensions
Why Pensioners Are Getting Surprise HMRC Tax Bills in 2026
Rising State Pension, a frozen £12,570 allowance and higher savings rates mean many retirees now owe tax. Why it happens…
Pensions
State Pension Top-Up: Is Buying Back Missing National Insurance Years Worth It? (2026)
A 2026 guide to buying back missing National Insurance years: how the new State Pension works, how to check your NI…
Pensions
Pension Salary Sacrifice: How It Works and How Much You Save
Pension salary sacrifice swaps part of your gross pay for an employer pension contribution, cutting both income tax and…
Pensions
Pension Tax-Free Lump Sum: How the 25% Rule Works (2026/27)
You can normally take 25% of your pension as a tax-free lump sum, capped at £268,275. Here is exactly how the rule works…
Pensions
How Pensions Work in the UK: A Complete Beginner's Guide
A plain-English guide to how pensions work in the UK: the State Pension, workplace and personal pensions, how tax relief…
Pensions
Pension Drawdown Explained: Income, Tax and Risks (2026/27)
A plain-English guide to pension drawdown: how flexi-access drawdown works, the 25% tax-free element, how withdrawals…
Pensions
Pension Tax Relief Explained: How to Get Up to 45% Back (2026/27)
Understand pension tax relief for 2026/27: how relief works at 20%, 40% and 45%, the Annual Allowance, carry forward and…
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